Core Points - The document outlines the financing and external guarantee system of Jiangsu Hanbang Technology Co., Ltd, aiming to regulate financing and guarantee behaviors, control risks, and protect financial safety and investors' rights [1][2][3] Group 1: General Principles - The financing referred to in the document includes indirect financing from financial institutions, such as comprehensive credit, working capital loans, fixed asset loans, and other forms [1][2] - External guarantees are defined as the company providing guarantees, pledges, or other forms of security for third parties, including its subsidiaries [2][3] - The company must follow approval and authorization procedures as per its articles of association and the established system for external guarantees [2][3] Group 2: Financing Management System - The finance department is responsible for managing financing applications from various departments and subsidiaries, conducting preliminary reviews, and submitting them for approval [3][4] - Financing amounts up to 10 million RMB require approval from the general manager's office, while amounts exceeding this threshold or 50% of the latest audited net assets require board approval [3][4][5] - Detailed reports must be submitted for financing applications, including the financial institution's name, amount, purpose, repayment plan, and asset-liability status [4][5] Group 3: External Guarantee Management - External guarantees must comply with relevant laws and regulations, and the company should seek counter-guarantees from the guaranteed party [6][7] - The company must conduct credit assessments of the guaranteed parties, ensuring they are legally established, have repayment capacity, and possess good profitability [6][7] - Guarantees exceeding 10% of the latest audited net assets or 50% of total assets require board and shareholder approval [8][9] Group 4: Risk Management and Responsibilities - The finance department must monitor the financial status of guaranteed parties and report any risks or defaults promptly [12][14] - All directors are responsible for reviewing financing and guarantee matters according to the established system and may face liability for violations [14][15] - The document emphasizes the need for written guarantee contracts and proper risk management procedures to protect the company's interests [10][11][12]
汉邦科技: 汉邦科技：融资与对外担保制度